From the outset I would like to make it perfectly clear that the whole concept of insurance appals me. We are made to pay out vast sums of money each year out of fear. Isn’t that the same as extortion? We pay buildings and contents insurance on our homes in the event that we may come home...

Avoid Cardif Pinnacle at all costs. To give you some background I am a self employed drilling materials co-ordinator working in the North Sea on the oilrigs therefore I took on a policy to cover Accident, Sickness & Unemployment back in December 2004. Everything was fine, Pinnacle was getting...